Deal Deep Dive — Delayed Financing
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client bought a $1,350,000 Santa Rosa home all cash using a 60-day IRA margin loan What delayed financing is and how the refi works…
Summer Renovations and Refinancing: Funding Your Home Improvement Projects Ahead of the Independence Day Holiday
Introduction With the Independence Day holiday just around the corner, many homeowners are considering home improvement projects to enhance their living spaces. Summer is an ideal season for renovations, and refinancing your mortgage could be a strategic way to fund…
GTG Weekly — June 16, 2026
June 16, 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Issue Why inflation looked worse than it actually was The two numbers that have been fighting inside the CPI data What the peace deal actually does…
FICO vs. Vantage Credit Score What Mortgage Buyers Need to Know
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What FICO and Vantage are and how they differ as credit scoring models Why Vantage often scores higher on the same borrower How large the gap…
Divorce Refinance — How to Remove a Spouse from the Mortgage
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a quit claim deed does not remove a spouse from the mortgage Two paths: waiting for the decree vs. refinancing mid-divorce How a court-ordered cash…
Homebuyer’s Mid-Summer Checklist: Essential Steps to Close Before the Back-to-School Rush
Introduction As June unfolds and summer is in full swing, many families are considering making a move before the school year begins. The mid-summer months offer a unique opportunity to close on a home and settle in before the back-to-school…
The Market Isn’t Waiting on a Cut. It’s Waiting on Wednesday.
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why Friday’s jobs report shifted the rate cut conversation How the Federal Reserve and mortgage rates actually work Where rate cut expectations stand right now Why…
Self-Employed Borrowers and the Write-Off Trap
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why writing off income on your taxes can work against you when qualifying for a mortgage What a bank statement loan is and who it is…
Keep Your Rate and Buy Up
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client kept their COVID-era rate and still bought a new primary in Napa What lenders actually require to use rental income from a departing…
4th of July Financial Freedom: Essential Mortgage Tips for Aspiring Homebuyers During the Summer Fever
Introduction As we approach the 4th of July, a time synonymous with celebrating freedom and independence, many of us reflect on personal goals, including financial independence and homeownership. For aspiring homebuyers, the summer season often marks a peak time for…
